Lancaster, PA · Cert 57174
FDIC
Q3 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | -0.67% | -0.18% | -0.08% | -0.15% | -0.28% | 0.04% | 0.04% | +12 bps | |
| Return on Equity | -0.59% | -6.98% | -1.95% | -0.95% | -1.82% | -4.21% | 0.56% | 0.53% | +148 bps | |
| Net Interest Margin | 2.36% | 1.78% | 1.81% | 1.72% | 1.52% | 1.85% | 1.90% | 2.11% | +40 bps | |
| Efficiency Ratio | 98.64% | 107.44% | 102.83% | 100.96% | 102.61% | 100.94% | 98.16% | 98.02% | -294 bps | |
| Non-Interest Burden | 2.23% | 2.46% | 2.06% | 1.80% | 1.72% | 1.94% | 1.73% | 1.90% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.32% | -5.90% | -3.96% | 12.83% | 46.36% | 50.10% | 42.19% | 7.24% | -559 bps | |
| Loan Growth (YoY) | -1.03% | -17.33% | -12.73% | -7.34% | 71.64% | 61.16% | 47.64% | 40.29% | +4,763 bps | |
| Deposit Growth (YoY) | 12.58% | -7.29% | -4.16% | 2.65% | 16.59% | 41.91% | 31.91% | 4.26% | +161 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.00% | 0.20% | 0.10% | 0.00% | 0.03% | 0.18% | -3 bps | |
| Allowance / Loans | 0.99% | 1.05% | 0.95% | 0.83% | 0.56% | 0.70% | 0.71% | 0.69% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.91% | 14.14% | 13.99% | 13.58% | 10.62% | 11.36% | 11.23% | 11.26% | -232 bps | |
| Equity / Assets | 9.29% | 10.08% | 8.83% | 7.67% | 6.38% | 6.81% | 6.30% | 7.19% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.26% | 88.25% | 84.92% | 79.68% | 124.05% | 100.23% | 95.04% | 107.22% | +2,754 bps | |
| Liquid Assets / Assets | 0.27% | 0.25% | 0.19% | 0.17% | 0.20% | 0.31% | 0.16% | 0.53% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |